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The incumbent on the account, Omnicom Group's GSD&M, Austin, Texas, declined to defend.

Select Resources International, Santa Monica, Calif., is conducting the review. A decision is expected by Thanksgiving.

Media not in play
In addition to GSD&M, which handles creative, Schwab's agency roster includes independent Rubin Postaer & Associates, Santa Monica, Calif., for TV buying; and Omnicom's PHD for media planning and print buying. The media services portion of the account is not in review.